When I refinanced my mortgage my credit score was lower than needed to get the best rate. So, I paid extra ($1,800) for what is called a "1 year pre-payment addendum to note". This note, after paying for 1 year, would keep me from being penalized when I decided my credit score improved and I decided to refinance again. After my year was up I contacted EMC and asked them the exact date I would be able to refinance without penalty. I was told I did not have a "1 year prepayment addendum to note" and that I had a "2 year prepayment addendum to note." After months of arguing with them (and my 2 years having then passed) I decided to contact the company that EMC had purchased my mortgage from, and they indeed confirmed that I did have a "1 year prepayment addendum". I contacted EMC, faxed them proof, advised them to contact the company they purchased my mortgage from, and still to no avail, they refuse to refund the $1,800 I paid for my addendum to note that I did not get the benefit of using because of these liars. I am told that my "concern" is still in research, has been now for 3 months. I'll bet you can guess what would happen to me if I owed them $1,800.00 for 3 months. Yep, that's right, I'd be homeless. I may never get my money, but someday, some sucker, will answer for everyone this rude, obnoxious company has ever RIPPED OFF!
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